Your use and browsing of this website are subject to the Disclaimers and Terms and Conditions set forth below. Please scroll down to review the CMA Terms of Use and Disclaimers and indicate your acceptance.
If you do not agree with these Disclaimers or Terms and Conditions, do not use this website or rely on any of its contents. By accessing this website, you acknowledge that you have read and accept CMA’s Disclaimers and Terms and Conditions.
Website Purposes, Disclaimer and Limitations of Use
The contents, text, images, data, forms, articles, questions and answers, legislative updates, discussions, legal information and other materials ("Content") contained and maintained on California Mortgage Association’s (“CMA”) website are for informational or educational purposes only and no Content or portion of this website should be construed as, or relied upon as, legal advice; as the providing of legal services or as the recommendation of forms or of the opinions from author of Content. Neither viewing this website, nor the transmission or receipt of materials in connection with this website, shall create any attorney-client, confidential or fiduciary relationship between CMA, its website contributors and you, or between CMA, its website contributors and any entity which you represent (in each case, "User").
CMA does not desire by or through this website to provide legal representation or counseling to any User in any jurisdiction. No User should act or refrain from action on the basis of any Content included in this website, without first seeking the advice of a competent and independent attorney or other professional after a full review of the specific facts and law involved in User’s case. Users shall not send any documents or confidential information to CMA.
The information provided through the Legal Q & A portion of this website is general educational, legal information only, and is not, nor intended to be, legal advice. No person using the Legal Q & A portion of this website should rely on the Q’s & A’s as legal advice or take any action based upon the Qs & As. Answers provided to Users’ questions on this website do not establish an attorney-client relationship. Any information provided pursuant to the Legal Q & A portion of this website is not a substitute for legal advice from a competent, independent licensed attorney, after a full review of the specific facts and law involved in the client’s case. By submitting a question to the CMA Legal Q & A, you are agreeing that under no circumstances shall CMA, its officers, directors, or any attorney either listed on the site or providing an answer herein, be responsible or liable for: (1) any information contained on or omitted from the site, (2) any person's reliance on any such information, whether or not the information is correct, incorrect, current or complete, and/or (3) the consequences of any action you or any other person takes or fails to take, based upon the use of this website. With the exception of the attorney answering a particular question (whose identity will not be disclosed in the answer to a question), the views expressed in the answers to member questions do not necessarily represent those of the CMA, its directors, officers, members, its legal counsel or of any volunteer attorney not providing an answer to a specific question.
Intellectual Property
All Content of this website is the property of CMA and/or its website contributors. CMA and its contributors reserve all trademark, copyright and other proprietary rights therein. Users may view this website and download and print copies of the Content for individual use only and only in accordance with the intended purposes of this website, so long as such use is consistent with these Disclaimers, Terms of Use and with applicable laws. Any other copying, distribution, retransmission, or modification of Content without the express prior written permission of the CMA, or its contributors, is strictly prohibited. No person may otherwise link to, frame, reproduce, sell, publish, distribute, modify, display or use this website or the Content without the prior written permission of CMA. User agrees not to infringe upon, dilute or remove or modify any trademark, copyright or other proprietary notice appearing on any Content of this website.
Disclaimers, Limitations of Liabilities and Remedies
This website, its content and its links are provided on an as-is basis and are to be viewed and/or used only at the sole risk of User, to the fullest extent permitted by law. CMA does not warrant the accuracy of any information on this website. CMA does not endorse any product, service, opinion, form or person identified on this website or the security (or freedom from any virus) of Users’ identity, information or Users’ computer system in connection with Users’ access to or use of this website, content, and/or links. CMA disclaims, to the fullest extent permitted by law, all warranties, express or implied, of any kind, regarding this website (including its content, hardware, software and links), including as to fitness for a particular purpose, merchantability, title, non-infringement, results, accuracy, completeness, accessibility, compatibility, security and freedom from computer virus.
User agrees that CMA will not be liable (and User shall not assert any claim against CMA, its officers, directors, employees, attorneys, or its website contributors) for any damages or losses, including direct, indirect, consequential, special, incidental or punitive damages and lost profits, in connection with use of the internet, this website, its content or its links, however caused, whether in contract, tort, negligence, strict liability or otherwise, even if CMA (its officers, directors, employees, attorneys, or its website contributors) has been advised of the possibility of such damage.
Applicable Law and Forum
This website, these Disclaimers and Terms and Conditions, and any dispute arising in connection with them, shall be governed exclusively by and construed in accordance with the internal substantive laws of California, without regard to its conflicts of law principles. The State and Federal courts located in Santa Clara County, California shall have exclusive jurisdiction to adjudicate any lawsuit or claim filed by User arising in connection with this website or these Disclaimers, Terms and Conditions. Any legal proceedings brought by User shall be initiated exclusively in such courts, to the fullest extent permitted by law, and no later than one (1) year after the cause of action arises. User hereby submits to the personal jurisdiction of the State and Federal courts of California.
Severability
If any provision of these Disclaimers or Terms and Conditions is held to be invalid or unenforceable, such invalidity or unenforceability will be limited to the maximum extent permissible, and the other provisions shall remain in full force and effect.
CMA PRIVACY POLICY
The California Mortgage Association (CMA) is committed to protecting the privacy of all visitors to its website, as well as that of its members. CMA has established this Privacy Policy to explain what information it collects through its website and/or through emails and how such information is used.
I. Definitions
In this policy, "CMA" refers to CMA, its officers, directors, employees, staff, management company, executive director, interns, volunteers, and consultants, all of whom are bound by law or contract to keep information they receive as part of their assistance to CMA confidential to the extent required in this Privacy Policy.
The term "Member" or "CMA member" refers to an individual or entity who is a "member" of any type or class as defined in the CMA Bylaws. The term "you" refers to any person or CMA Member (or other party whose contact information has been provided to CMA over the internet, through the CMA website or by e-mail) who is reading this Privacy Policy, or on behalf of whom this policy is being read.
The term "Website" refers to the CMA website with the URL http://www.californiamortgageassociation.com/ or www.camdev.net/CMA...
The term "Personal Information" means information that CMA obtains about you.
CMA does not sell, share or exchange member information except as follows: (1) with CMA seminar exhibitors or vendors; (2) with CMA Members upon request; (3) to affiliate associations or other nonprofit, or mutual benefit, corporations representing allied industries; (4) pursuant to process of law; and, (5) the member's name, company, address, phone number, facsimile number; email address and website information will be listed in the "member directory" on the CMA Website and that information is available to the general public.
II. Categories of Information CMA Collects.
Information You Provide to CMA.
When you use CMA's website whether as a member or as a visitor, register for seminars, or send CMA an email, you provide CMA with information that CMA collects. Such information may include your name, physical address, email address, phone number, and cell phone number. By providing CMA with this information, you consent to your information being collected, used, disclosed and stored by CMA in accordance with this Privacy Policy.
Other Information CMA May Collect.
In addition to information you provide to CMA when you register to use CMA's website, CMA collects and retains information that you submit to it. It is up to you whether to submit information to CMA, and how much information to provide. If you choose to become a CMA member, CMA will ask for your name, title, email address, city, state, postal code, county of residence, and phone number. CMA also maintains records of members' use of the "Member's Only" section of the CMA website and you may wish to indicate your particular interests in your member profile. For online seminar registrations and/or donations, CMA asks for your credit card number. (See, "How Long CMA Holds Your Information" and "Security" sections below for more information.)
CMA may ask for additional personal information when you provide feedback or comments, register for or attend seminars, or otherwise communicate with CMA. If you choose to make a donation to CMA online, your personal information is required.
If you choose to become a member and receive CMA's quarterly newsletter, Points of Interest, and other news items, CMA will collect your name, address, telephone number, email address, and a zip or postal code.
III. Use and Disclosure of Your Information.
CMA uses and may disclose your Personal Information only as follows:
1. To promote use, including continued use, of CMA's mission. For example, if you leave your personal information when you visit CMA's Website and do not sign up for any of the Services, CMA may send you one or more emails asking whether you wish to sign up. If you use any of CMA's Services, and may benefit from using one or more other Services CMA offers, CMA may send you an email telling you about the other Service or Services.
If CMA is required by law to disclose the information that you have submitted, CMA will attempt to provide you with notice (unless prohibited from doing so) that a request for your information has been made. CMA will attempt to provide this notice by email, if you have given CMA an email address, or by postal mail, if you have entered a postal address.
In addition, CMA may independently object to requests for access to information about users of CMA's website that it believes may be improper.
How Long CMA Holds Your Information.
CMA stores basic contact information gathered by CMA's site for visitors and/or members who visit the website indefinitely or until they opt out. CMA generally does not retain credit card information unless you choose to have CMA make automatic monthly withdrawals from your account for your PAC donation AND for payment of monthly membership dues. This information is stored off-site with FirstData, who represents that they are also PCI compliant (https://www.pcisecuritystandards.org/).
Cookies
CMA only employs cookies to store pointer information (not personal information or payment information) to facilitate things like acceptance of the Privacy Policy, Login compliance, etc. None of the cookies CMA uses store identifying or personal information.
Third Party Service Providers
CMA'S website provides links to a wide variety of third-party websites. CMA is not responsible for, and does not have any control over, the privacy practices or the content of such third parties. CMA encourages users to read the privacy policies of any website visited.
Updating or Removing Your Information
You may choose to correct, update, or delete the membership information you have submitted to CMA by sending an email requesting changes to cma@camgmt.com. Furthermore, if CMA inadvertently collects more personal information than intended, it will endeavor to delete any extraneous information. However, please understand that deleted information may continue to persist on backup media.
Changes to CMA's Privacy Policy
CMA's Privacy Policy may change from time to time. However, any revised Privacy Policy will be consistent with CMA's mission. If CMA makes any substantive changes to this Privacy Policy, a notice will be placed in CMA's Points of Interest and notice of the changes will be posted on the CMA Home Webpage.
Security
CMA employs industry standard security measures to protect the loss, misuse, and alteration of the information under CMA's control. CMA is certified through SecurityMetrics which establishes that CMA is in compliance with the Payment Card Industry Data Security Standards (PCI DSS https://www.pcisecuritystandards.org/). Information submitted through the membership and donation processes is encrypted through a Secured Socket Layer (SSL) connection, which protects the information in transit. CMA uses only third-party vendors that represent that they do the same.
Although CMA makes all good faith efforts to store information collected by CMA in a secure operating environment, CMA cannot guarantee complete security. Information collected by CMA will be maintained for a length of time appropriate to CMA's needs. However, CMA generally does not retain credit card information unless you choose to have CMA make automatic monthly withdrawals from your account for your PAC donation or for payment of monthly membership dues. In any case, any such information is stored in compliance with the PCI DSS. (See "How Long CMA Holds Your Information" for details on this.)
Effective Date
This Privacy Policy is effective with respect to all data that CMA collects or has collected about and/or from you, both prior to your registration as a Member and/or during the Term, in accordance with the Terms of Use.
IV. Questions
If you have any questions, comments, or concerns or wish to update, delete or change any Personal Information submitted on this Site, or have any questions about CMA's Privacy Policy, please notify CMA by email at: cma@camgmt.com, or by U.S. mail at: California Mortgage Association, 2520 Venture Oaks Way, Suite 150, Sacramento, California 95833.
